Great! 6 Best Medical Cards in Malaysia 2016-2017: complete comparison

(Last Updated On: 19/04/2017)

Medical card products from major insurance companies in Malaysia are always evolving rapidly, ever-trying to outdo each other to become the best medical insurance in the eyes of consumers . The best in this sense in terms of features and costs; such thing is actually very good for us as policyholders.

best medical card in malaysia

The best part of being an industry practitioner, as a licensed, independent financial adviser, is that we are not tied to any insurance company. Meaning, we are not obligated or limited to only recommend 1 single product which we represent like an insurance agent. Clients literally adore us for being able to source & compare objectively – the best life and health insurance products which suit their needs without being pushy to fulfill sales quote like a tied agent.

1) Comparison table of the Allianz, AIA, Great Eastern, Manulife & Prudential Medical Insurance

2) Best medical insurance in Malaysia – is it Allianz medical card?

3) Best medical insurance in Malaysia – is it AIA medical card?

4) Best medical insurance in Malaysia – is it Great Eastern medical card?

5) Best medical insurance in Malaysia – is it Prudential medical card?

6) Best medical insurance in Malaysia – is it Manulife medical card?

7) Comparison table of the Allianz, Great Eastern & Prudential Deductible Medical Insurance

8) Best deductible medical card in Malaysia – which one?

9) Understand basic medical card terminologies and how you can get the best for yourself

10) Review of Smart Medi 2.0 Lonpac standalone medical card

Get 3 shortlisted medical card quotations, plus, advice on how to buy one

1) Comparison table of the Allianz, AIA, Great Eastern, Manulife & Prudential Medical Insurance

best health insurance malaysia

note: flip your mobile device horizontally for best viewing or use at least an iPad mini to view the comparison table
Get a QuoteGet a QuoteGet a QuoteGet a QuoteGet a QuoteGet a Quote
Product nameA Plus MedMedisafe InfiniteSmartMedic Xtra 99ManuMedic Link+PruValueMedSmart Medi 2.0
Rider or StandaloneRiderRiderRiderRiderRiderStandalone
Death & TPD amount (RM)19,000103,00012,00010,00010,0000
Cover up to age1009199999080
Room & Board (R&B) rate RM300300300As Charged300350
R&B/ICU Days per year120150180No limit90No limit
Pre & Post Hospitalization days per year60/12090/9060/9060/9060/9031/60
Co insuranceNoNoNoNoNoNo
Co payment for R&B upgradeNo20% of eligible benefits, limited to RM 1,000 per disabilityNo10% of eligible benefits, subject to minimum RM 350 but limited to RM 1,500 per disabilityNo20% of eligible benefits, no limit
Outpatient cancer treatment RM900,000 per lifetime, shared w/ outpatient kidney dialysisPer AL & LLPer AL & LL700,000 per lifetime1.5 million per lifetime, shared w/ outpatient kidney dialysis156,000 per year
Outpatient kidney dialysis RM900,000 per lifetime, shared w/ outpatient cancer treatmentPer AL & LLPer AL & LL700,000 per lifetime1.5 million per lifetime, shared w/ outpatient cancer treatment156,000 per year
Outpatient stroke RMNoNoNo700,000 per lifetimeNoNo
Outpatient dengue treatment RM3,000 per eventPer AL & LLNo700,000 per lifetimeNoNo
Outpatient alternative treatment RM10,0003,000 per year, subject to 300/day & 1 visit/day within 30 days discharge from hospitalNoNoNoNo
Outpatient co insuranceNoNoNoNoNoNo
Annual limit (AL) RM1.5 million1.2 million1.6 millionNo limitNo limitNo limit; per disability limit of 650,000
Lifetime limit (LL) RMNo limitNo limitNo limit1.65 millionNo limit, but total claim amount exceeding Med Value Point of RM 1 million will be subject to 20% co-insuranceNo limit
No claim bonus5% increase in Initial AL every 2 years for 20 years and remain level thereafter, if total claim amount < RM 5k during the immediate preceding 2 years; 20% increase in Initial R&B every 2 years for 10 years and remain level thereafter, if no claim during the immediate preceding 2 years10% increase in Initial R&B every 3 years of no claim, up to 150% of Initial R&B10% increase in Initial AL every 3 years of no claimNo2% increase in the initial Med Value Point every 2 years, if no claim, up to Med Value point being exceeded10% increase in Initial R&B & per disability limit every 3 years, unconditionally and without any limit
Coverage extend toSingapore, BruneiSingapore, Brunein.a.n.a.n.a.n.a.
Annual premium (RM)3,9203,0003,4003,6005,1001,462
What feature you want to compare???????

*Less popular health insurance products from Hong Leong Assurance, AmMetLife, AXA-Affin, Zurich, MCIS and Tokio Marine are omitted from comparison.

**The annual premium was generated based on a 35 years old Male, non-smoker

2) Best medical insurance in Malaysia - is it Allianz medical card?

Allianz medical card commentary

  • Reimburses the charges incurred for alternative treatments such as Chiropractic, Chiropody, Homeopathy, Osteopathy and Acupuncture up to one (1) visit per day, within thirty (30) days from the hospital
    discharge date.
  • The best thing about Allianz medical card (Medisafe Infinite Xtra) is that it extends coverage treatment in Singapore, following Reasonable & Customary Charges in Singapore. (MediSafe Infinite covers treatment in Singapore but following Reasonable & Customary Charges equivalent to local treatment in Malaysia.) Also, with Medisafe Infinite Xtra, there is no co-payment if you are hospitalised at a Room & Board which is higher than your eligible benefit. You only bear the difference in the upgraded room & board charges.
  • Another best thing about Allianz medical card is that it specifically states, in the quotation, to include consultation, examination tests and take home drugs for outpatient treatments.
  • It also has the highest combination of pre & post hospitalization coverage.
  • The co-payment clause is an disadvantage but we feel this is no big deal as it is capped at maximum RM 1,000.
  • Given that the premium is the lowest among other medical card riders, this is the best value for money.
  • There is a lower plan known as MediEssential (with annual limit which is a divider factor of 10 and a hard lifetime limit).

3) Best medical insurance in Malaysia - is it AIA medical card?

AIA medical card commentary

  • The medical insurance base plan A-Plus Med has been enhanced with A-Plus Med Booster
  • It provides coverage for Alternative treatments, specifically Physiotherapy and Acupuncture Treatment (per Policy Year and within 60 days after hospitalization)
  • There is also provision for Organ/Bone Marrow transplant (receiver's coverage only) - as charged, subject to Reasonable and Customary Charges up to Overall Annual Limit.
  • Singapore & Brunei are not considered as overseas medical insurance coverage (which is good!)
  • It also provides Emergency Medical Evacuation and Repatriation up to USD 1 mil (do not mistakenly think this is international health insurance coverage)
  • The one thing which we don’t like is the shared limit for outpatient kidney dialysis and cancer treatment and the limit is furthermore capped per lifetime. This is despite it having the 2nd highest annual limit among all medical cards compared.
  • We also don’t like it only has 120 days of Hospital confinement days in a year, the lowest compared to other medical cards.

4) Best medical insurance in Malaysia - is it Great Eastern medical card?

Great Eastern medical card commentary

  • The base plan SmartMedic Xtra has been enhanced with SmartMedic Xtra 99 and Smart Extender 99
  • The base version of SmartMedic still has co-insurance & co-insurance clauses and coverage age is limited to age 80 if not added with Smart Extender 99.
  • It has the highest number of hospital confinement days - 180
  • Overall, we opined that it's an average medical card which ranks in the middle among its peers.

5) Best medical insurance in Malaysia - is it Manulife medical card?

Manulife medical card commentary

  • The base product, Manumedic, with limited annual limit has been enhanced with Manumedic+.
  • Technically, Manulife Room & Board rate is in a class of its own because after R&B 250, the next Room & Board rate is titled “As Charged”.
  • What it means by this is that if you are in “As Charged” R&B rate, you are entitled for the amount for reimbursement is limited up to 2 basic categories of Single-bedded Room available in the hospital.
  • This mean it is inflation-proof to a certain extent because you are guaranteed a single room no matter what in the future.
  • The good: No limit on the number of annual confinement days and high annual limit of RM 1.6 million, plus having outpatient stroke coverage which none other medical card in comparison has this benefit.
  • The bad: The outpatient treatments are capped at RM 700k for each per lifetime. There is a (albeit) reasonably high lifetime limit of RM 1.65 million.

6) Best medical insurance in Malaysia - is it Prudential medical card?

Prudential medical card commentary

  • Prudential medical card does not use the the term annual limit or lifetime limit. Instead, it replaces them with this - Med Value Point.
  • Med Value Point is defined as - if th total claims that exceed the stipulated Med Value Point amount, the Prudential will still be liable to pay 80% of the total cost of the eligible benefit while policyholder bear the remaining 20%.
  • Prudential also has another 2 older medical card range - PruHealth and PruFlexi Medi, on top of PruMedicOverseas providing coverage in Singapore, Hong Kong and China.
  • The good: Has the capability to customize the hospital room & board rate and Med Value Point (1, 1.5 or 2 million). It also has has an optional co-insurance like feature, called Med Saver, which policyholder needs to pay RM 300 co-insurance for every medical admission. For objective comparison, we remove this co-insurance feature. Finally, the no co-payment clause is always welcomed.
  • The bad: Evidently, the price, especially with Med Saver feature removed! Comparing Med Value point with annual limit, it is on par depending on your choice. However, comparing Med Value Point with lifetime limit, it loses out slightly because other medical cards have no lifetime limit while PruValueMed only covers 80% of the eligible benefit exceeding Med Value Point.

7) Comparison table of the Allianz, Great Eastern & Prudential Deductible Medical Insurance

note: flip your mobile device horizontally for best viewing or use at least an iPad mini to view the comparison table
Get a QuoteGet a QuoteGet a QuoteGet a Quote
Product nameMediaidePruValueMed DeductibleSmartMedi DeductibleSmart Extender Max
Rider or StandaloneRiderRiderStandaloneRider
Death & TPD amount (RM)43,00010,000033,000
Cover up to age81808080
Room & Board (R&B) rate RM300300350300
R&B/ICU Days50 days per confinement90 days per yearNo limit180 days per year
Pre & Post Hospitalization days per year31/6060/9031/6060/180
Deductible amount RM30,00020,0005,000150,000
Co payment for R&B upgradeNot applicable before age 55; 20% of eligible benefits, capped at RM 1k after age 55Not applicable20% of eligible benefits, no limitNot applicable
Outpatient cancer treatment RMPer AL & LL1.5 million per lifetime, shared w/ outpatient kidney dialysis36,000 per yearPer AL & LL
Outpatient kidney dialysis RMPer AL & LL1.5 million per lifetime, shared w/ outpatient cancer treatment36,000 per yearPer AL & LL
Outpatient stroke RM20,000 per yearNoNoNo
Outpatient dengue treatment RMNoNoNoNo
Outpatient alternative treatment RM20,000 per year !NoNoNo
Outpatient co insuranceNoNoNoNo
Annual limit (AL) RM150,000No limit450,000; 150,000 per disability1.5 million
Lifetime limit (LL) RM1.5 millionNo limit, but total claim amount exceeding Med Value Point of RM 1 million will be subject to 20% co-insuranceNo limitNo limit
No claim bonusn.a.2% increase in the initial Med Value Point every 2 years, if no claim, up to Med Value point being exceeded10% increase in Initial R&B & per disability limit every 3 years, unconditionally and without any limitNo
Coverage extend toSingapore, Brunein.a.n.a.n.a.
Annual premium (RM)1,2001,2009731,200
What feature you want to compare?????

*Less popular deductible health insurance products from Hong Leong Assurance & AmMetLife are omitted from comparison.

** Other insurance companies do not provide deductible health insurance products

8) Best deductible medical card in Malaysia - which one?

Best deductible medical card in Malaysia - which one is it?

Not having a full medical card after retirement could potentially be deadlier than the silent killer – inflation, when it actually hits. I’ve talked to individuals in their fifties who admitted to me they overlooked of getting their own medical card when they were in employment. Then, just before the mandatory retirement, it struck them – nobody is going to cover his post retirement medical bills.

If you are reading this, then I don’t want this to happen to you. Yet, I know what you are thinking – you probably don’t want to get a redundant medical card while you are covered by your company.

If this is your concern, then Second Medical Card aka Deductible aka Top Up medical card is the best for you. See below

When you are employed before age 55:
It could well be a good complement to your company-provided group medical card.
For example, if your company medical card coverage is RM 30k/year, you could get a RM 30k deductible medical card, with minimum premium (RM 1,200). Which means, only RM 30k and above medical expenses will be covered by this second card. (by the way, the deductible amount is configurable from RM 2k up to RM 30k)

When you retire after age 55:
Allianz deductible medical card is clearly the best medical card range here because it is auto-convertible to a full medical card at retirement age – 55. This feature beats out all others without retirement conversion options - Prudential, Great Eastern and Lonpac.

What it means, when you reach age 55, this health insurance will convert to become a zero deductible card – which means any medical expenses can be charged under this card – at the time when your company medical insurance coverage ceases. This happens without needing you to prove your health condition at age 55. Besides, it also has:

  • Reasonable co-payment clause capped at RM 1,000
  • Coverage for outpatient stroke treatment and outpatient physiotherapy treatment
  • Coverage extends to Singapore & Brunei (reimbursement basis).

Cheap? Yes. Peace of mind when you retire? Absolutely.

9) Understand basic medical card terminologies and why you must get the best health insurance for yourself

health insurance mm2hThe intricacies of the best medical insurance is not to be underestimated if you plan to retire in Malaysia for long term. Since health insurance, just like any other insurance, is essentially an unilateral contract, knowing the terms and conditions of your medical coverage is absolutely critical.


To prevent the hassle of dispute with the insurer on what it is not covered or reimbursable when you thought they are covered.

Otherwise, nasty situation like this may happen.

The other health insurance features you definitely want to take note on are:

  • Daily Room & Board rate – determines the type of hospital room you can choose to stay in without topping up the difference. It is very normal to go for a minimum RM 200 R&B nowadays, which could be a twin-sharing room. If you want basic single room or above, a R&B of RM 300 and above is recommended. Upgrading R&B rate higher than what you  are entitled for in your health insurance policy may trigger a certain co-payment clause in the insurance contract. This render you needing to share a certain percentage of the total medical bill with the insurer, aside from paying the difference in room & board rate.
  • Lifetime Limit (if any) – specifies the limited sum of medical expenses which can be exhausted throughout the duration of health insurance coverage.
  • Annual Limit (if any) – specifies the limited sum of medical expenses which can be exhausted within any 1 policy year as long as the health insurance is in-force.
  • As charged – covers hospitalization expenses which are deemed medically necessary, and as per reasonable and customary charges according to the schedule set by MMA (Malaysian Medical Association). If a medical procedure was being overcharged by hospital, then you need to top up the difference of amount for which the insurer doesn’t cover.
  • Last entry age – the last age where you can buy a medical insurance policy. Normally it could be at 60, 65 or 70.

Also, do you  agree that medical costs will carry one or more of the characteristics below:

  • Most unexpected
  • Most unavoidable
  • Possibly long term & recurring
  • Most impactful to retirement nest egg

How impactful, you asked?

For minor condition like cataract or appendicitis, the cost of such treatments may hardly dent your retirement nest egg. But what if major conditions like below hit you?

medical costs in malaysia


Medical costs have escalated around the world and this is no different in Malaysia. Medical inflation averages about 10% each year and is projected to rise due to advancement in medical technology.

10) Review of Smart Medi 2.0 Lonpac standalone medical card

Generally, it is not recommended to change a medical card which we already have. However, at a rare occurence, a product comes along - so disruptive and competitive that we just can't ignore it - and hence it could justify a switch over if you are still insurable and are able to get the same/better policy terms & coverage - at a cheaper price. This is what I am going to share with you today -  Smart Medi 2.0 underwritten by Lonpac Insurance.

lonpac teh hong piowYou may not have heard of Lonpac Insurance but it is a wholly owned subsidiary of LPI Capital, a public listed company in KLSE since 1993.  It was registered as an approved insurer on 9 April 1963 under the Malaysian Insurance Act, 1963.

LPI Capital, as the associate company with common directors as Public Bank,  is helmed by the one and only Tan Sri Dr Teh Hong Piow as its Chairman.

By the way, I don't think I need to stress the importance of having a medical card even if you are employed and your employer provides for you. Look at cost of medical procedures here. 

A) Medical card that provides annual health screen tests

Most people want to fake an unnecessary 1 day hospital admission just to undergo health screening tests at hospitals. Truly, it is not recommended to do so because minor 'claims' like this will raise red flags in the eyes of your insurer when you need to upgrade your medical card benefits in the future. Not to mention it is unethical to do so - doctors who are doing this included.  Therefore, anyone who have done this before or are thinking of doing this, you don't have too because Smart Medi 2.0 gives you a complimentary comprehensive health screening test.

52 best medical card screening

We like the concept of prevention advocated by this medical card, especially when it also includes cancer marker tests.

52 best medical card cancer marker

B) Medical card with no alterations of policy clause

This is a huge one, albeit pretty self explanatory.  Check your medical card policy fine prints. Only 1 existing insurer dare to put 'no alterations of policy' clause in its policy, but this insurer medical products cost a bomb relative to its peers. Hint - you never see this company medical card being taken as the group medical card for SMEs or multinational companies.

Smart Medi 2.0 by Lonpac is another rare one to have this clause which benefits us as policyholders.

best medical car alteration of policy

best medical card alteration of policy

C) Medical card with built in cash allowance for private hospital

It is customary for a medical card to pay a daily allowance for confinement in government hospital. Cash allowance for confinement in private hospital is an add-on feature which costs extra premium costs. See what I mean below - a standard clause in any medical cards in Malaysia.medical card cash allowance

Smart Medi 2.0, on the other hand, provides RM 500 per day for hospitalization even in private hospitals; starting for 3rd days onwards.

best medical card hospital cash income

D) Medical card with unlimited days a year, even in ICU

We don't hope this will ever happen, but if it does, you'll have no concern in this area. Here's how most medical cards benefits are structured when it comes to number of days in normal room & ICU.

medical card room ICU limit

This is how Smart Medi 2.0 benefit is structured.

best medical card unlimited days room

best medical card unlimited days ICU


E) Medical card with high annual limit & no lifetime limit

No lifetime limit is nothing to shout about really since the past 2 years; AIA medical card products have been having this feature aeons ago. The annual limit is the one that matters because it 'resets' every policy year. Selected few medical card in the market now have NO annual limit while some already going into the path of offering High annual limit which almost corresponds to their lifetime limit, if any. Therefore, an annual limit of RM 650,000 is above average if you ask me.

best medical card no annual limit

best medical card annual limit

F) Medical card with most, if not all hospitals

Check if any of the private hospitals are near your place of residence.

best medical card panel hospital

G) Medical card with minimum RM 350 room & board

As of today (2016), a room & board of RM 350 can easily land you in private room. For those who don't like sharing.

best medical card benefits

H) Medical card with auto upgrade benefits

This is also a crucial feature when we get older and no longer as 'insurable' as before, but medical inflation keeping up with time. I'd say this is pretty standard relative to its competitors, any medical card nowadays which  does not have this feature is a deal breaker for most people.

By the way, for Smart Medi 2.0, it is 10% every 3 years for room & board and annual limit, illustrated below.

best medical card upgrade benefits

I) Medical card with discount for family plan

Normal so called 'family plan' when it comes to medical card only extends coverage to spouse and children.

However, for Smart Medi 2.0, this extends to parents and parents in law as well. Pretty nifty. Last entry age is age 70 though.

best medical card family plan

J) Medical card with affordable annual premium

This is a snapshot of Smart Medi 2.0 compared to other of its peers in the market, refer to the rightmost column. Shown without GST.

best medical card competitive analysis

And as all medical cards in the market, annual premium is not guaranteed. See below

best medical card premium non guaranteed

Bear in mind that this is a standalone or term medical card, whereby the annual premium is set to increase every 10 years age band (other medical card every 5 years).

Watch below for the difference between a medical card rider and a term medical card, or read it here -

What You Should Know When Buying Standalone Medical Card Vs. a Rider and Make the Right Decision

About the Author

Lieu CFCF Lieu is an independent financial adviser (IFA) with CFP qualification and licensed by the Securities Commission of Malaysia to conduct regulated financial planning activities and charge a professional fee for it.

Click Here to access a Public Register of License Holders, then search under Representatives – “Lieu Ching Foo”

CF Lieu is also listed under Featured CFP Professionals in his professional association website – FPAM (Financial Planning Association of Malaysia). Only advisers with the highest calibre and credibility are displayed under this list.

Alternatively, you can connect with him via his LinkedIn profile HERE



Your say?


  • Winnie

    Reply Reply 16/04/2017

    Hi Mr. Lieu

    Should i get another medical card to replace my GE medical card? I currently hv a GE n AIA medical card. My GE lifetime limit left not much around RM30k (This insurance is a very very very old insurance), and my AIA is newly bought. Thanks

  • Wong

    Reply Reply 12/04/2017

    Prudential medical card got the clause “Guaranteed renewal” no matter what happen to the insured or market.
    This has been their main selling point despite higher and highest premium.
    How about other Insurer like Allianz, GE, AIA, etc.? Are their policy also guaranteed renewal?

    • ChingFoo Lieu

      Reply Reply 14/04/2017

      Wong, as far as I know, Pru is well-known on not having a Portfolio Withdrawal Clause. Portfolio Withdrawal Condition is a clause that gives the right to an insurance company to stop offering the medical portfolio by giving advance written notification to policyholders, if it no longer underwrites this type of product.

      However, many insurers had also removed this clause from the medical insurance contract, which benefits us, the policyholders. In other words, the ‘advantage’ that Pru has previously no longer applies today.

      If anyone is reading this, Portfolio Withdrawal clause should NOT be confused with what you term as “Guaranteed Renewal’. Any medical insurance contract will have a renewal clause stating as such:

      …contract is renewable at the option of Policy Owner until the occurrence of any of the following:

      a) If the policy expires, lapses or surrendered
      b) Fraud of misrepresentation of material fact during application
      c) Contract is cancelled at the request of Policy Owner
      d) total claims have reached the overall lifetime limit (if any) specified or/and on the death of the life assured
      e) the life assured attains the coverage age limit specified
      f) termination of coverage for all policies in certain market and the insurer withdraws this contract completely from the market in accordance with the Portfolio Withdrawal Condition.

      The fact is, portfolio withdrawal condition has never happened before so far and even if it does, it is not so easy for an insurer to execute without approval from BNM.

      • Wong

        Reply Reply 18/04/2017

        Dear Lieu,

        Ya, your are right. I meant for the Portfolio Withdrawal Clause. Thanks for enlightens me.

  • Jane

    Reply Reply 07/04/2017

    Can i cahnge my Life Insurance Policy to be my Medical Card when i am 65 years old? Thanks

    • ChingFoo Lieu

      Reply Reply 07/04/2017

      Unfortunately no. The consolation is if you are still healthy, you can still buy a medical card albeit not cheap at your age.

  • adzwan

    Reply Reply 06/04/2017

    Hi Lieu,
    Can stress further why we still need Medical Card with our own even though the employer have provided one? really appreciate if you can explain in point..

    • ChingFoo Lieu

      Reply Reply 06/04/2017

      Adzwan, you don’t need one NOW if your employer covers you.


      How old are you now by the way?

      Now, fast forward to 60 years old when you are ‘retired’.

      Do your employer still cover you? If yes, I want to know which company you are working – PM me 🙂

      Now, at 60, you still don’t necessarily need to buy a medical card. Just allocate a few millions for your medical fund to covers whatever medical condition that crops up from 60 until say, 90 years old.

      See that’s how we don’t need a medical card.

      I bet tycoons like Robert Kuok,Syed Mokhtar Al-Bukhary or Tony Fernandes don’t have/need a medical card.

      Ok ka explain cam ni?

  • Kym

    Reply Reply 05/04/2017

    Hi,mr lieu,

    I wanna ask about Aia latest medical card which no need pay co insurance.
    What cost and what will happened if I had exceeding my annual limit?
    For example, I had my hospital bills of rm 1 million on year 2017. What will happened to my medical card?

    • ChingFoo Lieu

      Reply Reply 05/04/2017

      If your annual limit is 1 mil and you exceed that, by contract, you will need to fork out $ to cover medical bills exceeding 1 mil.

      However, practically if your medical bill exceed 1 mil, you’ll likely be dead already 🙂

  • Jayaraj

    Reply Reply 04/04/2017

    Great introductory article LCF on medical cards. You are indeed doing a great service to society.

    2. The problem when an insurance agent comes by o get you to “sign on the dotted line” is the dont tell the whole story and we layman trust them.

    3. So, I need your non biased advise between
    a)stand alone medical card &
    b)investment link medical insurance plan-usually with unit trusts

    In (b) they “sell” the products by stating the premiums dont increase in future and some returns can be expected back after a number of years.

    4.The premium of stand alone medical card insurance get higher and higher with age. In 2015-I paid RM2620 (inclusive GST) for standalone medical card (AIA Plan 200 A Life Med & Regular & A Plus Med Booster) till age 100 years. In 2016 premium increased to RM3204-a big jump!

    5. I’m in good health-born 1961-56 years old-occupation class 1

    6. Your advice would benefit lots of people like me & am looking forwards to receiving your email reply.

    I end this wishing you good health and wisdom and to continue advise Malaysian public.

    Thank you.

    • ChingFoo Lieu

      Reply Reply 04/04/2017

      Jayaraj, that is the way standalone medical card works regardless of any insurance companies. Pls watch my free 8 min video just slightly above here to understand this.

      To understand how medical card rider (bundled together inside an ILP) works, please refer to one of explanation video inside my advisory site here –

      Cheers, and thank you for your kind words

  • CyNg

    Reply Reply 16/03/2017

    I believe Lonpac MXM medical card has been updated. Now it is already medisaver 3.0

  • Tan Soo Cheng

    Reply Reply 15/03/2017

    Are there any health insurance plans you would recommend for seniors above 70 years old?

    • ChingFoo Lieu

      Reply Reply 15/03/2017

      Soo Cheng, unfortunately the max entry age for most medical cards in Malaysia is 70 years old. Above 70, nope.

  • Winnie

    Reply Reply 05/03/2017

    Hi, Mr. Lieu

    Before a day I bought my new insurance, my doctor said I developed a small hernia. I had go another clinic to make sure if I have hernia or not but result out is I dont hv hernia. If like this, will it effect my new insurance claim if future i develope a hernia? Maybe year(s) later.. Thanks

    • ChingFoo Lieu

      Reply Reply 07/03/2017

      No matter Winnie. If you are concerned about ‘years later’, and say, you apply medical card now, then I suggest you declare in your application just in case. So the insurer will issue a letter to instruct you to go to the insurer’s panel clinic (paid by insurer) to verify if you have hernia. This way, it prevent any disputes in the future. And if insurer panel clinic verify you don’t hernia, but you then develop hernia in the future, then insurer will of course honor the claim – this is known as guaranteed renewable, without any yearly loading. Many years ago, there are indeed standalone medical card that is NOT guaranteed renewable but as of now, this kind of medical card has been obsoleted afaik. If such non-guaranteed-renewable medical card still exists, I can guarantee no one will buy it, if they are well-informed enough. By the way, someone said below – ‘what is the guaranteed black & white clause stating it is guaranteed renewable’. I say he/she is not reading this article thoroughly, if you look B) Medical card with no alterations of policy clause subheader, and look at the screenshot – Policy Wording, Alterations clause, and you see this term ” During renewal, the terms and conditions of coverage shall NOT be amended” – this is the clause.

      I also suspect the person questioning this sounds like insurance agent from company where the company does not carry standalone medical products, and their medical card rider is relatively expensive compared to others. So agents from this company are trained to talk bad about other insurer’s standalone medical card saying they are NOT guaranteed-renewable. This is the usual Modus Operandi of tied insurance agent of this company, but they didn’t realize that didn’t base their accusations on real facts.

      • Winnie

        Reply Reply 07/03/2017

        Thanks Mr. Lieu for your reply~

  • BooShannon

    Reply Reply 04/03/2017

    Dear Mr. Ching Foo,

    Why is it that smartmedi2.0 cannot be found in lonpac’s website page for health products?

  • Cindy

    Reply Reply 24/02/2017

    Hi. If I have a pre-existing condition (despite never being hospitalized), would there be any insurance company that will still cover it?

    • ChingFoo Lieu

      Reply Reply 25/02/2017

      Hi Cindy, it depends what type of pre-existing condition. Can you elaborate?

      • Cindy

        Reply Reply 25/02/2017

        2 Slipped disc and cervical spondylitis. Although my condition may not look that good in a MRI but my lifestyle, exercise and care from my physiotherapist has allowed me to carry out normal activities, including lifting weights in gym, cycling and joining mixed martial arts classes in the gym.

      • Cindy

        Reply Reply 25/02/2017

        2 Slipped disc and cervical spondylosis. Although my condition may not look that good in a MRI but my lifestyle, exercise and care from my physiotherapist has allowed me to carry out normal activities, including lifting weights, cycling and joining mixed martial arts classes in the gym.

        • ChingFoo Lieu

          Reply Reply 27/02/2017

          Cindy, it is almost likely there will be exclusion of the mentioned condition. As for rejection, sometimes it do depends, we won’t know for sure 100% until the underwriter replies. A case closest to yours which we’ve encountered before is thoracic spine condition, one insurer rejected, another insurer accepted the case but exclude anything related to spine condition.

          • Cindy


            My insurer accepted my application but excluded all spine related claims. I was hoping to find another insurer who would accept my condition. Thanks CF.

  • BooShannon

    Reply Reply 23/02/2017

    Hi, could you elaborate on the other companies renewal clause? When u say guaranteed renewable do the policies have portfolio withdrawal clause in them. Mainly the lonpac one, Allianz you mentioned. Thanks. Email me thanks. Plus why didn’t you compare using Prudential’s med saver since it has deductible of 300. While you use Allianz’s co ins of 1k?

    • ChingFoo Lieu

      Reply Reply 24/02/2017

      Shannon, you definitely got confused between guaranteed renewable clause and portfolio withdrawal clause. They are different.
      And you also got confused between co-insurance feature (the Med Saver feature in Prudential) and co-payment due to R&B upgrade (RM 1k cap of Allianz).
      The intention is not to have co-insurance so the table above is a fair comparison when it comes the the pricing.
      We do not mail the quotes to you unless you are subscribed to Cheers

      • Boo Shannon

        Reply Reply 24/02/2017

        Hi, can u please explain on what’s the difference between the two for guaranteed renewal clause and portfolio withdrawal clause? Could I read what’s the actual black and white written for guaranteed renewal clause? Thank you.

        • Boo Shannon

          Reply Reply 24/02/2017

          I mean could you list the actual black and white here so that I can compare the difference?

  • Rusdi

    Reply Reply 30/01/2017

    Hi KC,

    How would it effect for the renewal of a standalone medical card such as medisaver from lonpac if claim already been made or unlucky got diagnosed with bigC. How to renew or what would it effect after the claim on renew the policy. Does it effect the premium or would it be any exclusion. Thanks bro

    • ChingFoo Lieu

      Reply Reply 01/02/2017

      Rusdi, all medical card recommended in this page are guaranteed renewable even after being diagnosed with big C. The hike in premium or exclusion will not occur due to the occurrence of big as you put it.

  • lOUIS

    Reply Reply 19/01/2017

    Please advise on Great Eastern benefit as compared to other.
    Can I have the brochure and product detail for each of the product for better comparison ?

    • ChingFoo Lieu

      Reply Reply 23/01/2017

      The table above already summarizes and simplifies the comparison better than any brochure can do, so do take advantage of that.

  • Ng Kok Wee

    Reply Reply 08/12/2016

    Would like to know what’s the difference between AIA a life med regular and a plus med plan. Thanks.

  • Jacob

    Reply Reply 28/10/2016

    Hi CF, could you email me the brochure with the detail of Smart Medic 2.0? Thanks

  • Jacob

    Reply Reply 28/10/2016

    CF, could you send me the brochure of the detail of this Smart Medic 2.0? Thanks

  • Richard Kok

    Reply Reply 10/10/2016

    Please provide more details on the Smart Medi 2.0 underwritten by Lonpac Insurance.

  • Chiam

    Reply Reply 08/10/2016

    Interested to look at your Smart Medi 2 medical card as I need to decide one on Monday with either one of the two popular cards in the market

  • Venice

    Reply Reply 05/09/2016

    Hi Lieu,

    Would you please send me the brochure and for the lonpac smartmedi 2.0?
    Somehow i couldn’t get it from the lonpac website.

    Thank you in advance.

    • ChingFoo Lieu

      Reply Reply 07/09/2016

      Venice, please get the brochure from here –

      Of course you not able to find it from Lonpac official product listing because this is a custom-made product. Cheers

      • Venice

        Reply Reply 07/09/2016

        Lieu, thank you for that. Btw, do u have any idea about how long is the claim process going to take? or just show the card then we are worry free?

        • ChingFoo Lieu

          Reply Reply 08/09/2016

          re: claim – this is depending on insurance company claim processing efficiency, and also whether the relevant documents are submitted in time. 1 month is a reasonable time. However, you must understand there are other events which affect this – for example, if the claim processing dept is understaff, or when there is a merger/restructuring going on, all these factors affect claim processing

          re: if you buy a new iPhone 7 next week from Switch, and you ask the staff if you will be worry-free for the next 3 years, then the staff answers “YES because it is from a reputable company – Apple” , will that guarantee your iPhone 7 will be ‘worry-free’ or that just makes you feel better instead of buying a Samsung, which is now known to explode?

          My point is a medical card is just a card, cashless hospital admission is just a convenience provided by hospital when the hospital is a panel hospital of the insurer. There is nothing in the insurance policy which promises “show the card and be worry free”. However, the policy got state “Reimburse reasonable and customary charges”. If you are a professional, you must know there are factors beyond anyone control which may seem like things don’t work per your expectation.

          For example, if a hospital over-charge a surgical procedure, higher than the rate per Malaysian medical association schedule, insurance company only pay up to certain limit dictated by MMA schedule, and not the full amount. In this case, it is not the insurer fault or the agent fault, this is what I always tell my client.

          Another example, is, when u buy the medical policy, Hospital X is a panel of the insurer. But 3 years down the road, the Hospital is no longer a panel, but u insist on going to Hospital X because you like the doctor there and it is near your house, well, too bad then, because you cannot be show your card and admitted… need to pay first upon discharge then only claim back from insurer.

          There are many other things from my experience which we need to set our expectations right and for anyone to promise you ‘worry-free’ is either blindsiding you or being inexperienced.

          • Venice


            Thank you for that. Appreciate it.

  • ChingFoo Lieu

    Reply Reply 25/04/2016

    Hi Kang, I sent an email to you last week

  • Tony VMS

    Reply Reply 29/03/2016

    Interesting write up. Would like to know more about this product. Please advice

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